Many insurers run critical business on decades-old policy and claims systems.
They work—but they weren’t designed for today’s expectations around digital experiences and real-time data.

Modernization doesn’t have to mean a dangerous big-bang replacement.

Wrap, don’t rip, your core systems

A common pattern we use:

• Stabilize and document the existing core (policy admin, claims, billing).
• Expose carefully designed APIs around them.
• Build new digital experiences (portals, apps, analytics) on top of those APIs.

This lets you deliver visible value fast while keeping core records of truth intact.

Focus early on self-service journeys

For most insurers, the highest-return digital journeys are:

• Quote and bind for standard products.
• Policy changes (addresses, vehicles, coverage tweaks).
• Claims FNOL (first notice of loss) and status tracking.

Implement these as secure web or mobile experiences that write back to the core system through controlled integration points.

Use data to reduce manual review, not remove humans

Analytics and machine learning are powerful in insurance, but we design them to assist adjusters and underwriters:

• Risk scoring to prioritize work queues.
• Anomaly detection to flag potential fraud.
• Next-best-action suggestions based on similar historical cases.

Keep humans in the loop for final decisions—especially in high-value or sensitive claims.

Build a security and compliance spine

Insurance IT must satisfy strict regulatory and privacy requirements.

Make sure modernization plans include:

• Strong identity and access management across all apps.
• Encryption of sensitive data at rest and in transit.
• Audit trails for policy, claims, and user actions.
• Clear data residency and retention policies.

With the right architecture and phased approach, insurers can modernize IT in a way that feels safe to regulators, staff, and customers alike.